The Settlement Command Center for Loan Trading
Reducing loan settlement times from T+20 to T+7 with intelligent workflow management
When banks trade loan positions in the secondary market, settlement takes an average of 20+ days. Facility agents—the professionals responsible for coordinating these settlements—spend countless hours:
- Chasing documents across buyers, sellers, and borrowers
- Tracking which requirements are complete vs pending
- Sending repetitive follow-up emails
- Managing compliance paperwork manually
The result? Delayed settlements, frustrated counterparties, and operational risk.
LoanClear gives facility agents a single dashboard to manage every trade from execution to settlement.
| Feature | What It Does | Business Impact |
|---|---|---|
| Visual Readiness Gates | Track KYC, Borrower Consent, Transfer Docs, and Fees with traffic-light status | See blockers instantly |
| AI Settlement Prediction | Predicts likelihood of on-time settlement based on gate progress | Prioritize at-risk trades |
| Smart Email Drafting | One-click professional chase emails for each blocked gate | Save 30+ minutes per trade |
| AI Assistant | Ask questions about settlement processes and best practices | Faster onboarding, fewer errors |
| Evidence Locker | Centralized document storage with full audit trail | Compliance ready |
| Analytics Dashboard | Real-time metrics on settlement performance and blockers | Data-driven decisions |
1. INTAKE 2. MANAGE 3. TRACK 4. SETTLE
↓ ↓ ↓ ↓
Trade comes in → Update gates → AI monitors progress → Confirm settlement
(KYC, Consent, and predicts date when all
Docs, Fees) likelihood gates are green
See ARCHITECTURE.md for detailed diagrams.
LoanClear was built with bank-grade privacy in mind:
- EU Data Residency — All data stored in European data centers
- Local AI Processing — Settlement predictions run entirely in your browser
- No Sensitive Data Shared — AI assistant receives zero trade details
- Full Audit Trail — Every action logged for regulatory compliance
Live Application: Launch LoanClear
| Deal | Amount | Status | AI Prediction |
|---|---|---|---|
| Deutsche Bank Revolving Credit | €50M | In Progress | 75% |
| Barclays Term Loan B | €125M | Ready | 92% |
| HSBC Bridge Facility | €30M | Exception | 35% |
| Goldman Sachs Acquisition Finance | €200M | New | 58% |
- Dashboard — View portfolio overview and AI risk distribution
- Inbox — See all trade cases with settlement predictions
- Trade Workspace — Click any trade to manage gates and documents
- AI Assistant — Click "Ask AI Assistant" for settlement guidance
- Email Drafting — Click any blocked gate to generate chase email
- $1.4 trillion syndicated loan market globally
- 100+ facility agents at major banks worldwide
- Growing secondary trading volumes year-over-year
- No dedicated tools currently exist for settlement agents
- Per-trade processing fee ($50-200)
- Monthly subscription for teams
- Enterprise licensing for banks
Transparent Loan Trading — LoanClear automates the due diligence checks that raise the cost of secondary loan trades. By providing a single transparent view of KYC, consent, documentation, and fee requirements, we reduce settlement times from T+20 to T+7, cutting costs and increasing transparency for all counterparties.
# Install dependencies
npm install
# Start development server
npm run dev
# Open in browser
open http://localhost:3000LoanClear — Bringing clarity to loan settlement